{"id":190134,"date":"2023-11-09T21:30:12","date_gmt":"2023-11-09T17:30:12","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=190134","title":{"rendered":"Bu \u015f\u0259xsl\u0259rin kredit borcu silin\u0259c\u0259k –"},"content":{"rendered":"

2024-cü ilin dövl\u0259t büdc\u0259sind\u0259n fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli üçün 1.7 milyon manat kompensasiya öd\u0259ni\u015fl\u0259rinin h\u0259yata keçirilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Bu bar\u0259d\u0259 m\u0259lumat büdc\u0259 layih\u0259sind\u0259 yer al\u0131b.<\/strong><\/p>\n

2019-cu ilin fevral\u0131nda prezident \u0130lham \u018fliyev fiziki \u015f\u0259xsl\u0259rin xarici valyutada olan problemli kreditl\u0259rin h\u0259lli il\u0259 ba\u011fl\u0131 f\u0259rman vermi\u015fdi. Onda 10 min dollara q\u0259d\u0259r kredit götür\u0259n fiziki \u015f\u0259xsl\u0259rin borclar\u0131nda 2015-ci ild\u0259 iki d\u0259f\u0259 ba\u015f vermi\u015f devalvasiyalardan sonra yaranm\u0131\u015f f\u0259rq dövl\u0259t büdc\u0259si hesab\u0131na öd\u0259nildi. O zaman vaxt\u0131 keçmi\u015f kredit borclar\u0131n\u0131n restrukturizasiyas\u0131 m\u0259qs\u0259dil\u0259 banklara 682 milyon manat güz\u0259\u015ftli kredit verilmi\u015fdi.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na gör\u0259, oktyabr\u0131n 1-n\u0259 vaxt\u0131 ötmü\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 519.8 milyon manat olub. Bu, \u0259vv\u0259lki aya nisb\u0259t\u0259n 2.7 faiz azd\u0131r. C\u0259mi kredit portfelind\u0259 vaxt\u0131 keçmi\u015f kreditl\u0259rin pay\u0131 \u0259vv\u0259lki ilin müvafiq dövrün\u0259 n\u0259z\u0259r\u0259n 1 faiz azalaraq 2.3 faiz t\u0259\u015fkil edib. Xat\u0131rlanan f\u0259rmana q\u0259d\u0259r is\u0259 Az\u0259rbaycanda problemli kreditl\u0259r 1.5 milyard manat\u0131 keçmi\u015fdi.<\/p>\n

Amma indi layih\u0259d\u0259 b\u0259hs edil\u0259n 1.7 milyon manat bütün bu sadalananlar\u0131n fonunda çox cüzi m\u0259bl\u0259\u011f kimi görünür. Bel\u0259d\u0259 o, hans\u0131 i\u015fl\u0259r\u0259 yarayar?<\/p>\n

Mövzu il\u0259 ba\u011fl\u0131 layih\u0259nin mü\u0259llifl\u0259ri il\u0259 dan\u0131\u015fmaq mümkün olmay\u0131b. Amma deputat Vüqar Bayramov  Turan-a bildirib ki, \u0259vv\u0259lki ill\u0259rd\u0259 d\u0259 bu m\u0259qs\u0259d\u0259 dövl\u0259t büdc\u0259sind\u0259n v\u0259saitl\u0259rin ayr\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulurdu: "Bu ilin sentyabr\u0131nda Qaraba\u011fda apar\u0131lan antiterror \u0259m\u0259liyyatlar\u0131nda \u015f\u0259hid ail\u0259si statusu alm\u0131\u015f ail\u0259l\u0259rin kredit borcunun silinm\u0259si d\u0259 qanunvericilikd\u0259 öz \u0259ksini tap\u0131b".<\/p>\n

Onun sözl\u0259rin\u0259 gör\u0259, bu, h\u0259min ail\u0259l\u0259rin sosial t\u0259minat\u0131n\u0131n gücl\u0259ndirilm\u0259si m\u0259qs\u0259di da\u015f\u0131y\u0131r.<\/p>\n

Bank faizl\u0259rin\u0259 g\u0259linc\u0259, deputat xat\u0131rlad\u0131b ki, M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na gör\u0259, ölk\u0259 üzr\u0259 kreditl\u0259r orta hesabla 12.53 faizl\u0259 t\u0259klif olunur: <\/p>\n

"Bununla bel\u0259, orta kredit faizl\u0259ri il\u0259 v\u0259t\u0259nda\u015flar\u0131n daha çox istifad\u0259 etdiyi istehlak kreditl\u0259ri faizl\u0259ri aras\u0131nda f\u0259rq mövcuddur. Ayd\u0131nd\u0131r ki, Az\u0259rbaycanda 12.53 faiz\u0259 istehlak kreditl\u0259ri c\u0259lb etm\u0259k çox ç\u0259tindir… Orta faizd\u0259n daha çox, istehlak kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259rinin azald\u0131lmas\u0131 istiqam\u0259tind\u0259 f\u0259aliyy\u0259tl\u0259rin gücl\u0259ndirilm\u0259si daha vacibdir".<\/p>\n

\u0130qtisadç\u0131 Natiq C\u0259f\u0259rli is\u0259 Azadl\u0131qRadiosuna bildirib ki, dövl\u0259tin maliyy\u0259 sabitliyi yaratmaq v\u0259 onu qorumaq kimi bir öhd\u0259liyi var: <\/p>\n

"Problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 n\u0259tic\u0259ni aradan qald\u0131rmaqdansa, s\u0259b\u0259binin aradan qald\u0131rmas\u0131na çal\u0131\u015fmaq laz\u0131md\u0131r. Problemli kreditl\u0259r n\u0259tic\u0259dir. S\u0259b\u0259b is\u0259 insanlar\u0131n g\u0259lirl\u0259rinin a\u015fa\u011f\u0131 olmas\u0131, v\u0259t\u0259nda\u015flar\u0131n i\u015f yerl\u0259rini itirm\u0259si, kredit faizl\u0259rin yüks\u0259k olmas\u0131 ola bil\u0259r".<\/p>\n

Onun fikrinc\u0259, g\u0259l\u0259n il problemli kreditl\u0259rin silinm\u0259sin\u0259 1.7 milyon manat kimi az m\u0259bl\u0259\u011fin ayr\u0131lmas\u0131 onun \u0259sg\u0259r v\u0259 zabitl\u0259r\u0259 \u015famil olunmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r: <\/p>\n

"19-20 sentyabrda antiterror \u0259m\u0259liyyat\u0131ndan sonra \u015f\u0259hid ail\u0259l\u0259rinin kreditl\u0259rin silinm\u0259si il\u0259 ba\u011fl\u0131 b\u0259zi banklar q\u0259rar vermi\u015fdi. H\u0259min 1.7 milyon manat, çox ehtimal ki, bu q\u0259rarlar\u0131n icras\u0131 üçün h\u0259min banklara kompensasiya kimi veril\u0259c\u0259k. Söhb\u0259t, çox güman ki, 300-500 n\u0259f\u0259rin öd\u0259nilm\u0259mi\u015f kreditl\u0259rin ba\u011flanmas\u0131ndan gedir".<\/p>\n

N.C\u0259f\u0259rli hesab edir ki, problemli kreditl\u0259r m\u0259s\u0259l\u0259sini h\u0259ll etm\u0259k üçün kredit faizl\u0259ri a\u015fa\u011f\u0131 sal\u0131nmal\u0131, r\u0259qab\u0259tli bank sektorunun gücl\u0259nm\u0259si il\u0259 ba\u011fl\u0131 add\u0131mlar at\u0131lmal\u0131d\u0131r: <\/p>\n

"Bu, dövl\u0259tin borcudur. Zaman-zaman problemli kreditl\u0259r m\u0259s\u0259l\u0259si il\u0259 qar\u015f\u0131la\u015fandan sonra add\u0131mlar atmaqdansa, bunun yükünü dövl\u0259t büdc\u0259sinin çiynin\u0259 yükl\u0259m\u0259kd\u0259ns\u0259, \u0259vv\u0259lc\u0259d\u0259n el\u0259 \u015f\u0259rait yarad\u0131lmal\u0131d\u0131r ki, problemli kreditl\u0259r ümumi kredit portfelinin 2 faizini keçm\u0259sin. Dünyada da bel\u0259 bir standart var ki, problemli kreditl\u0259rin ümumi kredit portfelind\u0259 ç\u0259kisi 2-3 faiz civar\u0131nda olsa, bu, idar\u0259olunan kreditl\u0259r say\u0131l\u0131r".<\/p>\n","protected":false},"excerpt":{"rendered":"

2024-cü ilin dövl\u0259t büdc\u0259sind\u0259n fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli üçün 1.7 milyon manat kompensasiya öd\u0259ni\u015fl\u0259rinin h\u0259yata keçirilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Bu bar\u0259d\u0259 m\u0259lumat büdc\u0259 layih\u0259sind\u0259 yer al\u0131b. 2019-cu ilin fevral\u0131nda prezident…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[91],"tags":[],"class_list":["post-190134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-olkeici"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/190134","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=190134"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/190134\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=190134"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=190134"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=190134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}